Please read these terms carefully before using the ratu99 platform. By accessing or using our services, you agree to be bound by these terms.
Last Updated: January 2026Welcome to ratu99, an online gaming platform operated for the Indonesian market. These Terms and Conditions (the "Terms") constitute a legally binding agreement between you (the "User", "You", or "Your") and ratu99 (the "Company", "We", "Us", or "Our") governing your access to and use of our website located at https://ratu99.cam and all associated services, games, features, and content (collectively, the "Services").
By creating an account on ratu99, accessing our website, or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Responsible Gaming Policy. If you do not agree with any provision of these Terms, you must not access or use our Services.
ratu99 is committed to providing a safe, secure, and fair gaming environment for Indonesian players. We operate with strict adherence to responsible gaming principles, data protection standards, and industry best practices to ensure your experience is both enjoyable and protected.
For the purposes of these Terms, the following definitions shall apply:
Your use of ratu99 Services constitutes your full and unconditional acceptance of these Terms. By clicking "I Agree" during the registration process, checking the terms acceptance box, or by simply accessing and using our website, you confirm that:
If you are accessing ratu99 Services on behalf of a business or organization, you represent and warrant that you have the authority to bind that entity to these Terms, and references to "you" shall include that business or organization.
To register an Account and use ratu99 Services, you must meet the following eligibility criteria:
You must be at least 21 years of age. ratu99 strictly enforces age restrictions to prevent underage gambling. We reserve the right to request proof of age at any time, and failure to provide satisfactory documentation will result in immediate account suspension until verification is completed. Accounts found to belong to individuals under 21 years of age will be permanently closed, and all funds will be forfeited.
You must be a legal resident of Indonesia at the time of registration. You are responsible for ensuring that your use of ratu99 Services complies with all applicable laws and regulations in your jurisdiction. If online gambling is prohibited or restricted in your region, you must not access or use our Services.
You must have full legal capacity to enter into a binding contract. You must not be subject to any legal disability, bankruptcy proceeding, or court-imposed restriction that would prevent you from using gambling services.
Each individual may register only one Account on ratu99. Creating multiple accounts (also known as "multi-accounting") is strictly prohibited and will result in permanent closure of all associated accounts and forfeiture of balances. This restriction applies per person, per household address, per IP address, per payment method, and per device.
By registering with ratu99, you confirm under penalty of account closure that you are at least 21 years old, a resident of Indonesia, and not acting on behalf of any third party. False or misleading information provided during registration constitutes a material breach of these Terms.
To create an Account, you must provide accurate, complete, and current information including your full legal name (as it appears on your identification documents), date of birth, email address, phone number, residential address, and preferred currency. You must choose a strong password that you keep confidential. ratu99 is not responsible for unauthorized access to your Account resulting from your failure to secure your login credentials.
ratu99 is required by law to verify the identity of all users to prevent underage gambling, fraud, money laundering, and terrorist financing. You will be required to submit copies of government-issued identification documents such as your Indonesian ID card (KTP) or passport. Additional documentation such as proof of address (utility bill, bank statement) may be requested. Withdrawal requests will not be processed until KYC verification is complete. You have 30 days from account registration to complete KYC verification; failure to do so may result in account suspension.
You are solely responsible for maintaining the confidentiality of your Account credentials. You must not share your username, password, or account access with any third party. If you suspect unauthorized access to your Account, you must notify ratu99 customer support immediately. ratu99 will not be liable for any loss or damage arising from unauthorized Account access unless such access was the direct result of our negligence or breach of security.
You are responsible for keeping your Account information accurate and up-to-date. If your email address, phone number, residential address, or payment details change, you must update your Account settings promptly. Failure to maintain current information may result in delays with withdrawals, communications, or account verification.
The following activities are strictly prohibited and will result in immediate account closure:
ratu99 supports deposits through major Indonesian banks including BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI (Bank Syariah Indonesia), and Bank Permata. We also accept deposits via popular Indonesian e-wallets including OVO, DANA, GoPay, ShopeePay, and LinkAja. All deposits must be made from payment methods registered in your own name. Third-party deposits are strictly prohibited.
The minimum deposit amount is Rp 50.000 per transaction. Maximum deposit amounts vary by payment method and VIP tier status. Standard accounts have a daily deposit limit of Rp 50.000.000, while VIP accounts may enjoy higher limits. Contact customer support for specific deposit limits applicable to your account.
Bank transfer deposits are typically processed instantly during banking hours (Monday through Friday, 08:00 - 16:00 WIB). Deposits made outside banking hours or on weekends and public holidays may be credited to your Account within 1-2 hours. E-wallet deposits (OVO, DANA, GoPay, ShopeePay, LinkAja) are processed instantly 24/7.
ratu99 does not charge any fees for deposits. However, your bank or e-wallet provider may charge transaction fees, currency conversion fees, or service charges. These fees are beyond our control and are your sole responsibility. Check with your payment provider for their fee structure.
If a deposit is rejected or reversed by your payment provider after being credited to your Account, ratu99 reserves the right to deduct the disputed amount from your Account balance immediately. If your Account balance is insufficient, you will be required to repay the deficit before making further deposits or withdrawals.
Important: You must only deposit funds that you can afford to lose. ratu99 strongly recommends setting personal deposit limits through your Account settings to support responsible gambling practices. Once set, deposit limits can only be increased after a 24-hour cooling-off period.
You may request a withdrawal at any time, provided your Account balance exceeds the minimum withdrawal threshold of Rp 100.000. Withdrawals can only be made to bank accounts or e-wallets registered in your name and verified during the KYC process. We cannot process withdrawals to third-party accounts under any circumstances.
ratu99 strives to process withdrawal requests as quickly as possible. Most withdrawals are approved and processed within 5 minutes during business hours (Monday through Friday, 09:00 - 17:00 WIB). Withdrawals requested outside business hours or on weekends may take up to 24 hours. Large withdrawals exceeding Rp 10.000.000 may require additional security verification and may take up to 48 hours to process.
Before your first withdrawal, you must complete full KYC verification by submitting valid identification documents. ratu99 reserves the right to request additional documentation or verification at any time, particularly for large withdrawals or if suspicious activity is detected. Failure to provide requested documents within 7 days may result in withdrawal cancellation and account suspension.
All deposits must be wagered at least once (1x turnover) before withdrawal is permitted. This anti-money laundering requirement ensures that ratu99 is not used as a money transfer service. For example, if you deposit Rp 1.000.000, you must place bets totaling at least Rp 1.000.000 before requesting a withdrawal. Bonuses have separate wagering requirements detailed in Section 7.
ratu99 does not charge withdrawal fees for the first three withdrawals per month. Subsequent withdrawals within the same calendar month may incur a processing fee of Rp 10.000 per transaction. VIP members enjoy unlimited free withdrawals. Your bank or e-wallet provider may charge receiving fees, which are your responsibility.
You may cancel a pending withdrawal request before it has been processed. Once a withdrawal has been approved and funds have been transferred to your bank or e-wallet, it cannot be reversed. ratu99 reserves the right to cancel withdrawals if fraud, bonus abuse, or violation of Terms is suspected.
Bonuses and promotions are offered at ratu99's sole discretion and may be modified, suspended, or terminated at any time without prior notice. Not all users may be eligible for all bonuses. Bonus abuse, including but not limited to creating multiple accounts to claim multiple welcome bonuses, will result in forfeiture of bonuses and potential account closure.
All bonuses are subject to wagering requirements (also known as rollover or playthrough requirements) before associated funds can be withdrawn. Wagering requirements vary by bonus type and are clearly stated in the promotion terms. For example, a welcome bonus with 30x wagering requirement means you must wager 30 times the bonus amount (and sometimes the deposit amount as well) before withdrawal. Not all games contribute equally to wagering requirements - slots typically contribute 100%, while table games may contribute only 10-20%.
Bonuses have limited validity periods, typically ranging from 7 to 30 days from the date of issue. If wagering requirements are not met within the specified timeframe, the bonus and any associated winnings will be forfeited. Time periods are calculated in Western Indonesia Time (WIB).
While playing with bonus funds, the maximum bet per spin or hand is typically limited to Rp 25.000 unless otherwise stated in the specific promotion terms. Exceeding the maximum bet limit may void the bonus and any winnings derived from it.
If you request a withdrawal before completing bonus wagering requirements, the bonus and any winnings from the bonus will be forfeited, but your original deposited funds (minus any losses incurred during play) will remain withdrawable.
All bets are final once accepted by ratu99. You cannot cancel or modify a bet after it has been placed, except where a technical error is identified and confirmed by our system administrators. Bets placed on incorrectly priced markets or events (due to human or technical error) may be voided at ratu99's discretion.
Sports bets are settled according to the official result as declared by the governing sporting body (e.g., FIFA for football, BWF for badminton). If a match is postponed or abandoned, bets will be void unless otherwise stated in the specific market rules. Live betting (in-play betting) is subject to price and market availability changes in real-time. Odds may fluctuate rapidly during live events.
Casino games including slots, table games, and live dealer games are governed by their individual game rules, which can be accessed within each game. All games use certified Random Number Generators (RNG) to ensure fair and random outcomes. Game return-to-player (RTP) percentages are displayed within each game or in our game library.
For togel (lottery games), results are determined by official draws from the respective lottery organizations (Singapore Pools for Togel SGP, Hong Kong Jockey Club for Togel HK, etc.). Draw times and bet acceptance cut-offs are displayed for each market. Bets placed after the cut-off time will be automatically rolled over to the next draw.
In the event of disconnection during a game round, most games have built-in safeguards that preserve your bet and automatically settle the outcome once the round completes. For live dealer games, if you disconnect, the dealer will complete the hand according to standard rules. If a technical issue affects game outcomes, ratu99 reserves the right to void affected bets and refund stakes.
ratu99 is committed to promoting responsible gambling and preventing problem gambling. We provide tools and resources to help you maintain control over your gaming activity. Gambling should be a form of entertainment, not a way to make money or solve financial problems.
Through your Account settings, you can set deposit limits, loss limits, wager limits, and session time limits. You can also opt for reality checks that remind you how long you have been playing. These limits are designed to help you stay within your budget and avoid excessive gambling.
If you feel you need a break from gambling, you can request self-exclusion for periods ranging from 1 week to 6 months, or permanently. During self-exclusion, you will not be able to access your Account, and you will not receive any promotional materials. For permanent self-exclusion requests, contact our support team. For detailed information, please visit our Responsible Gaming page.
All content on the ratu99 website, including but not limited to logos, trademarks, text, graphics, software, and game content, is the property of ratu99 or our licensed content providers and is protected by Indonesian and international intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any content without our express written permission.
ratu99 provides Services on an "as is" and "as available" basis. While we strive to ensure the platform operates smoothly and securely, we cannot guarantee uninterrupted access or error-free operation. ratu99 shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use our Services, including but not limited to loss of profits, data loss, or business interruption. Our total liability to you for any claim shall not exceed the amount of funds in your Account at the time of the claim.
ratu99 is not responsible for issues arising from third-party services such as payment processors, internet service providers, or game providers. We are not liable for losses resulting from your failure to maintain Account security, provide accurate information, or comply with these Terms.
You may close your Account at any time by contacting customer support. Before closing your Account, you must withdraw any remaining balance and resolve any pending bets. Closed accounts cannot be reopened.
ratu99 reserves the right to suspend or permanently close your Account without prior notice if we determine that you have violated these Terms, engaged in fraudulent activity, abused bonuses, provided false information, or posed a risk to the platform or other users. Upon termination, any pending bonuses will be forfeited, and we may withhold withdrawal of funds if fraudulent activity is suspected pending investigation.
Accounts with no login activity for 12 consecutive months are considered dormant. ratu99 may charge a monthly dormancy fee of Rp 50.000 or 5% of the remaining balance (whichever is lower) to cover administrative costs. To reactivate a dormant Account, simply log in and contact customer support.
If you have any disputes or complaints regarding our Services, you must first contact our customer support team via email at [email protected] or through live chat. We will make every effort to resolve your issue promptly and fairly within 14 business days. If an informal resolution cannot be reached, disputes may be escalated to independent mediation or arbitration in accordance with Indonesian law.
By agreeing to these Terms, you waive your right to participate in class action lawsuits or class-wide arbitration against ratu99. All disputes must be resolved on an individual basis.
These Terms and Conditions are governed by and construed in accordance with the laws of the jurisdiction in which ratu99 operates, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts in that jurisdiction for resolution of any disputes arising from these Terms or your use of our Services.
Nothing in these Terms affects your statutory rights as a consumer under Indonesian law where applicable.
ratu99 reserves the right to modify, amend, or update these Terms at any time to reflect changes in our Services, legal requirements, or business practices. When we make material changes to these Terms, we will notify you via email, on-site notification, or by posting a prominent notice on the website. Changes become effective immediately upon posting unless otherwise stated.
Your continued use of ratu99 Services after changes are posted constitutes your acceptance of the modified Terms. If you do not agree with the changes, you must stop using our Services and close your Account. We recommend reviewing these Terms periodically to stay informed of any updates.
If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us through the following channels:
Our customer support team operates 24 hours a day, 7 days a week, and all inquiries are handled in Indonesian or English according to your preference. We aim to respond to all communications within 24 hours during business days.
Transparent, straightforward terms with no hidden clauses or confusing legal language designed to mislead.
All games use certified RNG systems. Provably fair outcomes you can trust.
We respect your rights as a consumer and operate within Indonesian legal frameworks.
Questions about our terms? Our support team is available around the clock to clarify any concerns.
By using ratu99, you confirm that you have read, understood, and agreed to these Terms and Conditions in their entirety. You acknowledge that you are at least 21 years old, a resident of Indonesia, and that online gambling is legal in your jurisdiction. You accept full responsibility for your gaming activity and agree to gamble responsibly within your financial means. If you have any concerns about problem gambling, please visit our Responsible Gaming page or contact support immediately.
Explore our other policies and resources to better understand how ratu99 operates and how we protect your interests.
Privacy Policy Responsible Gaming View FAQ